Those who already have phones will find the pay as you go contracts extremely useful. The PAYG, as it is commonly known allows the user to only top up credit when they need it. After using all the credit, one cannot make calls, text or use data unless they top up again. Those who find themselves not using their mobile phones as much will find this deal ideal among the three options often available to UK mobile phone users.

The pay as you go deal offers several advantages to those who choose this route. Subscribers will get great value for their money. There is no need for the minimum monthly charges normally associated with the monthly contracts. Since the user only tops up credit and uses it, there are no nasty surprises as far as unwelcome bills are concerned. Unlike the monthly contracts and the SIM only contracts, there are no long or short term contractual obligations involved. One can therefore walk away any time they want. Carriers normally carry out credit checks before giving out monthly contracts. For the pay as you go deal, there is no credit check. Those whose credit ratings are not the best will therefore greatly benefit from no credit check mobile phones. Unlike the monthly pay contracts, the pay as you go deal will also be available to under 18s.

The choice of mobile phone service to go with typically depends on the amounts one spends on their contracts every month. Users who spend less than £10 every month are better off signing for the pay as you go contract. The market has many service providers available, and even those already on the PAYG deal can still benefit from shopping around and looking for cheaper alternatives.

The first step in the pay as you go contract process is to choose a PAYG phone. After settling on the best phone, top up credit and enjoy the network’s text, minute or data offerings. When the credit runs out, simply top up again and continue enjoying the services. There are many ways through which one can top up their phones. There is the online option, over the phone or via a text message. Another common method is to buy vouchers, which are commonly available in supermarkets or cash machines.

The market has numerous options when it comes to choosing a network. The four major service providers, EE, Vodafone, 3 and O2 offer good deals. However, to expand one’s choices it might be prudent to check out the options provided by the other service providers, like Tesco, Virgin, Giff gaff, Asda and Talk mobile. These virtual operators piggy back on the major networks to provide cheaper services.

Even with the individual service provides, there are many options to choose from. For instance, one might go for the typical pay as you go, buying credit and using it directly. However, take 3 for instance. Their tradition 321 deal might also be helpful. This package costs 3p per minute for calls, 2p for every test and 1p for every MB of data.

On average, more than ninety percent of people own and use a mobile phone. However, it is the choice of the right tariff that is the difficult part. Apart from those on pay as you go tariffs, chances are that many pay over the odds for their tariff. This is especially true for those who have deals for unlimited calls and texts which often go unused.

One of the most important things to decide when choosing a mobile phone contract is the type of handset. Those who want the latest smartphones should be prepared to pay up to 50 pounds every month for tariffs that have unlimited texts, minutes and data. Those who do not care much for the version, age or model of their handsets could, for instance, take out the old iPhone 4s with up to 500 minutes and unlimited texts for about 17 pounds. The difference here is huge. Many people find themselves stuck in contracts that offer an attractive prospect of unlimited calls and texts that they very rarely use. The second option, for instance, has much fewer minutes, but is definitely a better deal.

According to research, more than a half of mobile phone users tend to pay more for their contracts than they need to in the UK market. In effect, majority of people waste up to 150 pounds on minutes and text allowances that they do not need or use every year. The only way to change this is to choose a tariff that caters exactly for what one needs. For instance, those who require a large text allowance but to not typically make too many calls or use data should look for plans that match the specificity of their needs. To match the right contract with their needs, users should out the exact cause of the waste in their contracts, and there are many sites available for that.

Such sites analyze phone bills, checking their online billing and telling them how much they could save if they switched to other, more useful tariffs. One simply enters their mobile phone number and online billing account details, the website will go through one’s bills and mail them a snapshot of their potential savings.

Even with such recommendations, though, changing does not necessarily mean having to switch service providers. Those nearing the ends of their contracts might want to consider asking their carriers for better deals. Sometimes, threatening to leave might give customers the bargaining power with which they could always bargain for a cheaper contract, especially if other service providers offer a better deal.

Ultimately, though, the choice of provider has been known to make a huge difference. Price is not everything when choosing a contract. Other factors that affect the value for money include customer service and reception. Surveys in the past have shown large disparities among service providers in terms of customer satisfaction based on these and other factors. In one of the past surveys, for instance, O2 was one of the highest performing, while T-Mobile and Orange performed the worst. Given the amounts people pay, it is only right that they receive a satisfactory level of service.

Thinking of buying the latest top of the range mobile phone? Contract or pay monthly phone deals is one of the most innovative ways to go about it. In this deal, one pays a minimum monthly fee, and in return they get a free phone, as well as a monthly allowance of texts, data and minutes. If one exceeds this minimum, their amount will increase. The monthly contract phones have several advantages. The biggest is the fact that they come with free phones. There are a wide variety of subsidized phones from which one can choose, from the simplest to the latest and most expensive fancy phones. These monthly contracts provide good value. When one pays in advance for a fixed amount of data, minutes and texts, it is much cheaper than paying directly on a usage basis. Monthly contracts are also hassle free. The bills are paid by direct debit, and the user does not have to worry about being cut because they forgot to top up their credit.

Mobile phones today have become somewhat of a necessity, and are more than the luxury items they were considered to be years ago. Most people find themselves needing to use their phones on a regular basis. Heavy users of their phones will be better off choosing a monthly contract. However, for those who use less than £10 per month, the pay as you go option is perhaps the most ideal way to go. The latest phones are a status symbol among friends. However, they are also very expensive costing hundreds of pounds at a time. Instead of paying such large amounts up front, getting one through a monthly contract deal is the better alternative, with only either no amount required upfront or a small fee depending on the phone and the carrier.

The way monthly contracts work is that one will be given an option of 12, 18 0r 24 monthly contracts. For most carriers, the 12 month contracts give the option of changing the duration of the contract or the phone. Typically, the longer the contract, the cheaper the monthly bills are. However, to take put a monthly contract, one has to be over the age of 18 and complete a credit check. After that, all what remains is the payment of a fixed amount every month, and in return one gets a phone of their choice and a fixed number of minutes, texts and data to use.

Just like any other contract type, the choice of carrier is a huge part of the choice. It is advisable to shop around looking for the best deal and price plan. Most carriers sell monthly contracts, although there are some that have traditionally only had pay as you go or SIM only packages. Still, given the duration of the contract, choosing the right carrier is extremely important. Make the wrong choice and one will be stuck with an unpleasant deal for two years. One should try to find a deal that matches their monthly usage. The cost of usage over the allocated number of minutes, texts and data is billed and can accumulate.

The first step in choosing the best mobile phone deal is the choice of one of the three options available to UK subscribers.

The pay as you go option, or PAYG, is for light users that spend around about £10 every month

The monthly pay contract is suitable for those who wish to buy a pricey top of the range handset

The SIM only contract is suitable for the heavy users who already own a handset

Strictly speaking, there is no better alternative than the other. The choice of deal will ultimately depend on one’s situation and the amount of money they are willing, or normally spend on their phone every month. Here is an overview of the different options;

Pay as you go

With the pay as you go option, there is no need for a monthly fee. Also, one does not have to sign for any direct debit agreements. The pay as you go deal involves one paying for their mobile phone usage through the normal topping up of the credit in advance. After using up all the topped up credit, one will not be able to use their phones again until they top up. This option is ideal for those light users that spend between £10 and £15 every month.

Mobile phone contract

The traditional mobile phone contract will be spread over 12, 18 or 24 month periods. In this deal, one pays a fixed monthly fee by direct debit. With this, they get a free handset, normally subsidized, and a fixed number of minutes, texts and data. Typically, one has to commit to the length of the contract. Depending on the type of phone one wants with the deal, there might be need for an upfront fee. This deal is often helpful for those who desire the very latest smartphones but are not able to pay a large upfront amount. It is also suitable for those who run up large monthly phone bills regularly.

The third option is SIM only, where one gets a new SIM card, but not a new handset. There is still the typical allowance of calls, texts and data, all in different amounts and prices for one to choose depending on their usage every month. The monthly cost will, however, often be lower than it would for the regular monthly pay contracts. Another advantage of SIM only contracts is that unlike the lengthy contract mobile phone deals, the SIM only will typically only tie one down for a month.

In addition to the choice of contract, there are other factors to consider when buying a handset. For instance, many networks will typically offer mobile phone insurance with the phone deal. While these are necessary, they are often relatively pricey. Before taking out the insurance, one should find out whether their home insurance already covers the handset. Even after deciding on the type of deal to choose, do not simply settle on the first offer. Shop around a little and see what the other service providers have to offer.